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Rewind and relax with the right insurance coverage for your Canadian video store. Canadian video game stores may feel like a blast from the past, but they're actually still alive and well. As of 2025, there are 213 video stores across Canada, with 93 in Ontario, 49 in British Columbia, and 34 in Quebec. From retro rentals to pop-culture memorabilia, your business needs more than generic coverage. That's where video store business insurance comes in. Customized to fit your unique needs, video stop insurance protects your media inventory, storefront, events, online sales, and more. Get a custom video shop insurance policy from BrokerLink today.
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Video store coverage is a type of business insurance specifically designed to protect shops that rent, sell, or display entertainment media. While entirely customizable to your everyday operations, this type of coverage will protect your DVDs, Blu-rays, VHS tapes, memorabilia, along with your signage, shelving, furnishings, and more.
Typical coverage includes:
From cult classic rentals to online sales and hybrid comic shops, BrokerLink helps video stores across Canada find the right coverage.
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Owning a video store in 2026 takes passion and a love of nostalgia. With most shops being independently owned, losing yours to an unexpected event could mean the end of your dream business. There are many risks your business can face. Knowing and anticipating these hazards is what sets a successful business apart from the rest:
Every video store in Canada is unique. From nostalgic rental shops to hybrid gaming and comic stores, your insurance needs to be flexible to your needs and operations. Some of the main types of insurance you'll find in a standard business insurance plan include:
Commercial general liability (CGL) insurance
Commercial property insurance
Product liability insurance
Business interruption coverage
Cyber liability insurance
Crime insurance
Commercial auto insurance
Equipment insurance (breakdown)
Specialty collectibles protection
Flood and sewer backup endorsements for your business property
Accidents can happen at any time. Commercial general liability insurance provides coverage in the event of third-party bodily injury or third-party property damage. For example, if a customer trips on your rug while browsing vintage VHS tapes and sues you for damages, your general liability coverage will cover the cost of repairs, replacements, medical expenses, legal fees, and settlement funds.
Depending on your services, you may also need professional liability insurance (also known as errors and omissions coverage).
Your video store has more than four walls. It may feature rented equipment, camera equipment, lighting equipment, your inventory, and more. Commercial property insurance is specifically designed to protect your business against property damage that may arise from theft, vandalism, fire, water damage, and extreme weather conditions. Should a loss occur, commercial property insurance will cover the cost of repairs and replacements of your store and any damaged inventory/furnishings as well.
If your video store sells products, you could be held liable if something you sell causes accidental damage or bodily injury to someone. Product liability insurance covers legal fees, medical costs, and settlements if someone sues you due to a faulty product sold.
If disaster strikes and your video store is forced to shut down temporarily, business interruption will cover lost wages, employee salaries, rental payments, and other ongoing expenses.
Cyber liability insurance is essential if your business operates online or stores customer information. It protects you against cyber hacks and data breaches, compensating you for customer notification costs, legal fees, and data recovery expenses.
Because your store may deal with collectibles and high-demand electronics of video production equipment, you could be a prime target for theft and fraud by your employees. This insurance policy will financially protect you from losses that may occur as a result of employee dishonesty.
If your video store offers delivery services, commercial auto ensures your vehicle and employees are protected in the event of accidents.
Equipment breakdown insurance covers repairs and replacements of any equipment you may use in your daily operations, like Point of Sales systems, camera equipment, video editing equipment, and more, from mechanical or electrical issues.
If your video business thrives on high-value, rare items, you'll want to consider specialty collectible protection. This endorsement increases your coverage limits, ensuring your high-value items are protected in the event of a loss of property damage.
For Canadian video stores located in flood-prone areas or older buildings, flood and sewer backup endorsements are crucial. These endorsements will compensate you for damages and losses that occur as a result of flooding or sewage water backup.
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Insurance costs for video stores can vary widely based on several factors, which is why rates can vary from a couple of hundred dollars to thousands of dollars. The factors insurance companies will use to determine your risk profile include:
The larger your store and inventory size, the higher the potential financial loss you may experience. A boutique video store with a couple of hundred DVDs may pay less than a hybrid video/collectible store with thousands of items and rare memorabilia.
Stores that rent out expensive equipment to customers on top of movies will often carry higher liability exposure than those stores solely selling DVDs or VHS tapes.
Movie nights, singings, and launch events that attract a lot of foot traffic will increase your risk exposure compared to stores that don't host events.
The more employees you have, the higher the exposure to workplace accidents and employee theft, which will increase rates. On the other hand, if you own and operate your video store yourself, you'll likely have a lower premium.
Video stores in Canada located in urban areas may face higher theft rates and liabilities claims, while rural stores may be more prone to sewer backups, slower emergency response, and older infrastructure. These factors will either increase or decrease your risk profile.
Selling online adds to your overall risk exposure due to cyber risks. Additionally, video stores in Canada that process online payments or manage customer data are also at risk, which can influence premiums.
Having security systems in place to protect your business from losses and damages will reduce the likelihood of you filing a claim, which can help you save on your insurance, while businesses with no measures in place will face higher premiums.
Video businesses with numerous claims on their insurance history will face higher premiums compared to businesses with no claims on file, as the more claims you have, the more likely you are to file another in the future.
While insurance for your video store in Canada isn't legally mandatory, most store owners view coverage as a necessary expense to stay in business. Luckily, there are ways you can save on your insurance without cutting back on your protection. Here's what you can do:
Bundle your equipment insurance, liability insurance, small business insurance, and other policies with the same insurance company to save up to 15% on each premium!
Most insurers add a service charge to customer accounts who pay monthly, as it costs them money to process each payment. To avoid these charges, consider paying for your video shop insurance upfront.
Increasing your deductible can lower your premiums slightly. Just keep in mind that it will cost you more out of pocket if you need to file an insurance claim in the future.
Protect your video store by installing security cameras, alarm systems, lock boxes, anti-split mats, and other safety features to lower your risk profile and qualify for a discount.
Insurance brokers work independently from insurers. Because of this, they can help you shop around, compare rates, customize your coverage, and ensure you work with the right insurance provider for your needs. Best part of all? Brokers are paid by the insurance companies they work with, so you can access their services for free!
Your video store may change over the years. To ensure your coverage reflects your actual needs, make sure to review your plan annually before your renewal.
Don't leave your collectibles, rare VHS tapes, and other film equipment exposed to unexpected disasters. With the help of the experienced brokers at BrokerLink, you can customize an insurance policy that fits your needs and budget. We work with video businesses of all sizes, across all provinces and territories and can help you shop around, compare rates and work with an insurance company you feel confident in.
To work with BrokerLink, give us a call over the phone or by email to speak with someone directly. You can also get a free insurance quote right now using our online quote tool. Don't miss out!
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Yes, commercial property insurance protects your store's inventory from theft, vandalism, fire, water damage, and severe weather damage.
You'll need to purchase separate event liability insurance from your insurance provider if you plan on hosting screenings, gaming events, or signings at your video store.
As long as you declare these items on your inventory list when purchasing insurance, you'll have coverage from your insurance company.
Yes, you can add a high-value collector item endorsement to your plan to ensure your declared valuables are fully protected in the event of a loss.
Cyber liability applies to your e-commerce operations.
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